Applications / Mortgage Analytics / Lenders / Nebraska / Heartland Bank
Geneva, NE · State non-member bank · FDIC · $940 million assets · 73 loans in 2025
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73
loans originated, 2025
84
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heartland Bank, a Nebraska bank that first reported its mortgages in 2023, makes small loans to modest earners, and its largest market is rural Nebraska.
Its typical loan was $105,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than at about nine in ten of them. Its mix is one possible reason: refinances made up 37.0% of its loans and home improvement 12.3%, purposes that often borrow less than a purchase does.
Borrowers with low or moderate incomes (LMI) took 39.3% of its loans, up from 27.0% a year earlier and well above the 27.1% at the typical similar lender. That is a higher share than at about five in six peers.
Its loans fell 20%, to 73 from 91, while similar lenders grew 9% and the whole market 10%. Only about one in eight peers shrank faster. With three years on record, starting in 2023, that is too short a history to call a trend.
Its largest market is non-metro Nebraska, where it ranks 38 of 341 lenders and Pinnacle Bank leads. In 2025 it also made its first loans around Cape Coral-Fort Myers and Des Moines, too few to read much into.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Heartland Bank took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.7% · Refinance 37.0% · Home improvement 12.3% · Other 11.0%
Conventional 98.6% · VA 1.4% · of 73 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 71 | 97.3% |
| Florida | 1 | 1.4% |
| Iowa | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 4 |
| Cape Coral-Fort Myers | 1 |
| Des Moines-West Des Moines | 1 |
| Grand Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900U0LVIJMXKBGT11 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 88455 | 2023–2023 |
Established 3 March 1899. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Heartland Bank's data.
Heartland Bank's data
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Heartland Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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